Money Mindset Mastery is a Canadian personal finance podcast hosted by financial professionals. We blend behavioral finance with practical cash‑flow planning so Canadians can budget better, crush debt, invest smarter, and optimize taxes under CRA rules. Episodes cover RRSP/TFSA/RRIF, CPP/OAS, pensions, annuities, decumulation, tax‑efficient withdrawals, RESP/FHSA, mortgages, retirement income planning, and insurance: life, disability, critical illness, long‑term care. #PersonalFinancePodcast #MoneyMindset #WealthBuilding #InvestingForBeginners #BudgetingTips #FinancialFreedom #DebtPayoffStrat
Publisher
TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen
#118 | Renting vs. Buying: The Winner Isn’t Who You Think
In this episode of the Money Mindset Mastery Podcast, the hosts engage in a lively discussion about the pros and cons of renting versus buying a home, particularly in the context of the Toronto real estate market. They explore individual circumstances, financial implications, and the behavioral aspects that influence people's decisions in this area. The conversation explores the complexities of real estate ownership versus renting, highlighting personal experiences, regrets, and the emotional versus financial aspects of these decisions. The participants emphasize the importance of understanding individual circumstances and the hidden risks associated with both renting and owning property.
Takeaways
Renting vs. Buying Debate
Individual Circumstances Matter Real estate ownership insights
Renting vs. buying considerations
Chapters
00:00 Introduction to the Debate
00:51 Renting vs. Buying: The Core Question
04:00 Understanding Individual Goals
07:05 The Role of Numbers in Decision Making
09:49 Personal Experiences with Renting and Buying
12:59 Behavioral Aspects of Renting vs. Buying
17:04 Cultural Influences on Home Ownership
19:56 The Importance of Flexibility
23:01 The Impact of Market Conditions
26:02 The Journey of Home Ownership
28:54 Conclusion: Finding Balance in Decisions
30:25 Living Beyond Means and Debt Issues
31:01 Regrets in Real Estate Ownership
32:14 The Pressure to Upgrade
34:05 Emotional vs. Business Decisions in Real Estate
36:41 Finding the Right Property
39:18 The Role of Property Management
40:14 Freedom in Renting vs. Owning
42:34 The Control Factor in Homeownership
43:59 The Challenges of Renting
45:52 Understanding the Economics of Renting vs. Buying
46:46 The Importance of Proper Analysis
48:35 Human Behavior in Real Estate Decisions
50:22 The Risks of Poor Financial Planning
52:42 Hidden Risks in Homeownership
56:22 The Unpredictability of Market Trends
58:34 Final Thoughts on Renting and Owning
22 Sept 2026
#117 | The Ultimate Canadian Decumulation Plan: Turn a Nest Egg Into Reliable, Tax-Efficient Income
The podcast episode discusses the importance of retirement tax planning, the shift from accumulation to distribution, the risks of market volatility in retirement, tax implications of RIF conversion, the impact of GICs on RIFs, strategies for RIF conversion and tax planning, the role of non-registered accounts in retirement planning, and liquidity and control in retirement income. The conversation covered a range of financial topics, including TFSA, private equity, annuities, and retirement planning. It emphasized the importance of understanding investment opportunities, tax implications, and the role of different financial instruments in retirement planning.
Takeaways
Retirement tax planning is crucial for managing the transition from accumulation to distribution.
Market volatility in retirement poses significant risks, especially in relation to RIFs and GICs.
Strategies for RIF conversion and tax planning should be tailored to individual needs and goals. TFSA offers flexibility for emergency funds and investments
Understanding the tax implications of different financial instruments is crucial for retirement planning
Chapters
00:00 Podcast Introduction and Return from Break
02:43 The Importance of Retirement Tax Planning
04:12 The Shift from Accumulation to Distribution
06:22 The Risks of Market Volatility in Retirement
10:33 Tax Implications of RIF Conversion
12:41 The Impact of GICs on RIFs
13:08 Strategies for RIF Conversion and Tax Planning
27:21 The Role of Non-Registered Accounts in Retirement Planning
35:07 Liquidity and Control in Retirement Income
37:05 Understanding TFSA: A Flexible Investment Opportunity
37:53 TFSA as an Emergency Fund and Investment Account
39:09 Naming a Successor Holder vs. a Beneficiary on a TFSA
41:25 Private Equity and Private Credit for Cash Flow
44:02 Non-Registered GICs and Compounding Tax Problems
46:50 Annuities and Guaranteed Income Solutions
50:32 Hybrid Solution: Empire Life's Class Plus 3.0
53:34 Planning for Retirement and Tax Implications
23 Jun 2026
#116 | Train Like an Athlete, Think Like an Investor
The episode explores the intersection of high performance principles in sports, business, and finance, with a focus on coaching and mindset mastery. The conversation delves into the journey of an ex-professional athlete turned performance coach and the importance of talent, hard work, and humility in achieving elite performance. It also discusses the evolving role of coaching and the impact of digital transactions on financial appreciation. The conversation covers topics related to financial wellness, performance under pressure, and the importance of investing in oneself. It also delves into the significance of coaching and the analogy of golf clubs and performance in the financial industry.
Takeaways
Peak performance principles apply to sports, business, and finance.
Talent combined with hard work is essential for elite performance.
Coaching has evolved to adapt to individual athletes and clients.
Digital transactions impact financial appreciation and understanding. Cash flow is crucial for financial success
Embracing pressure and investing in oneself are key to long-term success
Chapters
00:00 Impact of Digital Transactions on Financial Appreciation
36:35 Preparing for Financial Corrections
41:36 Stress, Burnout, and Recovery
50:25 Seeking Help and Financial Coaching
56:45 The Analogy of Golf Clubs and Financial Performance
Who has been a guest on Money Mindset Mastery
Names identified in recent episode analyses. Showing up to five guests.
Eric Peterson
Advocates from Single Seniors for Tax Fairness
Hannah Horvath
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
144,350
Score snapshot 15 Sept 2025
Spotify
5.0 / 5
3 ratings
Podcast Authority Score: 62 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
61
Social presence
0
YouTube
82
Engagement
76
Contact Money Mindset Mastery
Guest appearances
Does not typically book guests
Based on episode analysis; this does not confirm that the show is currently accepting guests.
Questions about Money Mindset Mastery
Who hosts Money Mindset Mastery?
Jim Lao and Ryan Genoe and Denis Bisson and Jim and Ryan host the show. Published by TvH Financial, including Jim Lao, Ryan Genoe, Denis Bisson and Eric Petersen.
How often do new episodes come out?
The show publishes bi-weekly, based on its RSS feed.
Does Money Mindset Mastery take guests?
The show does not typically feature guests, based on episode analyses.
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